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Frequently asked questions about the Ajusto Program

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Drive safe and save with Ajusto®




Even if you're already insured with us, you can still sign up for the Ajusto program and potentially save even more on your auto insurance.

To find out how much you could save, add Ajusto in the Desjardins Insurance Home-Auto app.

The Ajusto section of the app records:

  • Vehicle location (GPS)
  • Accelerometer data (which measures accelerations) and gyroscope data (which measures rotational movements)
  • Time
  • Application power on/off

Open Ajusto in the Desjardins Insurance Home-Auto app. It shows your score, your medals and your driving data for the last 30 days. You can also get a more detailed view of each trip and much more!

As an Ajusto user, you should make sure your phone’s battery is charged when you’re driving so the application can collect data. If the battery is too low, no data will be collected.

Most of the time, the app will automatically detect if you’re driving by analyzing your trip. However, if you weren’t driving and the application did not detect it, you can correct the trip information in the Ajusto dashboard.

Remember that the map doesn’t show every detail of a trip. It only identifies the most significant events.

No. Your discount isn’t affected when someone else drives your car.

If you weren’t driving and the application didn’t detect it, simply indicate it in the app for the trip in question.

The Ajusto program discount applies to all vehicle coverages and Ontario policy change forms (OPCF), except:

  • OPCF 3 – Drive Government Automobiles
  • OPCF 20 – Coverage for Transportation Replacement
  • OPCF 27 – Liability for Damage to Non-Owned Automobile(s)
  • OPCF 44R – Family Protection Coverage
  • Accident-Free Protection
  • Trouble-Free Option




After downloading the app and activating the Ajusto section, your phone’s operating system will send a location permission request. To use the app and enjoy the benefits, you must accept the request.

This permission request will allow us to collect your driving data so that we can calculate your score, which could be turned into savings at the end of the trip analysis period.

You can get a lot of information about your driving habits:

The dashboard shows your score and trip summaries. If you weren’t driving and the app thinks you were, you can indicate that here. Each trip is rated out of 100 and your score is calculated individually for each trip. The dashboard also updates you with the remaining number of days (out of 100) and kilometres (out of 1,000) to get to your final score.

Note that trips under 1 km will not appear in the app and will not be taken into account to calculate your score.

Trip summary
Tap any trip in your dashboard to see more details. You can view a map identifying the main events of the trip and use the legend to help you analyze it. Remember that the map doesn’t show every detail of a trip—only the most significant events.

Track how many medals your great driving has earned you!

All trips are saved and then analyzed. This means there’s a short delay before the data is available. Depending on your Wi-Fi selection in your account settings, the data will be uploaded at the end of trip or when you enter a Wi-Fi zone.

At the end of the trip analysis period, you can choose to stop recording your trips.

The application uses a predictive model to determine if you’re driving. It’s also how we determine what mode of transportation you’re using. But if it turns out you weren’t the driver or you used a different mode of transportation than the one detected, you can easily change your trip information in the app.

Yes. The Ajusto section of the Desjardins Insurance Home-Auto app has an effect on the battery. The effect varies from one telephone model to another, but battery consumption is highest when the app uses the GPS. If your phone’s charge is too low, Ajusto will not start up or will stop collecting data if you’re driving, as we don’t want to drain your phone’s battery recording trips. We are actively working to reduce the effect of the Ajusto section of the app on your battery consumption.

Remember to make sure your phone is switched on and the battery is charged so that trip data can be collected.

Deleting the app from your phone won’t cancel your enrollment, because the collected data will be held in your file for a year.

If you want to stop using Ajusto and cancel your enrollment, first call By phone:1-877-699-9923 and we’ll remove the program from your auto insurance policy. You can then delete the app from your phone.

If you have to delete the app from your phone for another reason, simply download the app again and you can pick up where you left off.

You can download the Desjardins Insurance Home-Auto app from the App Store© or Google PlayTM.

To use Ajusto on Apple Watch, you need to:

  1. Pair your watch and iPhone using the Apple Watch app. Apple Watch is compatible with iPhones 5 or later, operating on iOS 8.2 or on later versions.
  2. Download and install the Desjardins Insurance Home-Auto app on your phone and activate the Ajusto section. Then, make sure the app is activated on your phone’s Apple Watch app.




You can download the Desjardins Insurance Home-Auto app from the App Store© or Google PlayTM.

First, download the Desjardins Insurance Home-Auto app from the App Store© or Google PlayTM.

Once you’ve signed up for Ajusto, we’ll send you a text or email with your activation code. Follow the steps in the email and enter your activation code to activate Ajusto.

It’s probably because the app isn’t compatible with your smartphone model or your phone’s operating system. The app is compatible with Apple iOS 8 or higher and Google Android 4.4 or higher.
The app isn’t compatible with the following operating systems:

  • Windows Phone
  • BlackBerry
  • Firefox OS
  • Sailfish OS
  • lTizen
  • Ubuntu Touch

This is probably because your phone does not have the right functions to use Ajusto: a GPS, an accelerometer and a gyroscope.

If your phone has all these functions and you are still unable to activate Ajusto, please call us at By phone:1-877-699-9923 to remove the Ajusto program from your auto insurance policy.

Ajusto is not available on tablet.




At Desjardins Insurance, respecting your privacy is an important part of our commitment to providing service excellence. We’re committed to protecting your privacy, and we understand that you may have concerns about how we use the collected data.

Your personal information is completely confidential. It will not be disclosed to third parties, except where required by law.

Read the Ajusto program terms and conditions (PDF).

The Ajusto app only collects your name, date of birth, email and driving data. This information is used by Cambridge Mobile Telematics (CMT), a partner of Desjardins Insurance for the Ajusto program, to provide usage-based insurance services. CMT will not otherwise use personal information, or disclose or transfer personal information to any third party except if required by law.

The identifying information will only be used by us to link the data received by CMT to the enrolled driver(s) and vehicle(s) on the insurance policy.

The following data will be used to calculate your savings on your auto insurance policy renewal:

  • Driving smoothness (fast acceleration, hard braking and hard cornering)
  • Speed
  • Time of day travelled
  • Distance travelled

The collected data will not be used to increase your premium during your current policy term, or to cancel your policy, or to refuse to renew your policy, or to increase your premium on renewal.

We will not sell or communicate the collected data to any third party except if required by law. We will not use the collected data to your prejudice regarding an insurance claim you have with us or in any claim that is brought against you.


At Desjardins Insurance, we're committed to keeping your personal information secure and confidential. Your driving data will never be used to apply penalties or premium increases.

To find out more about how your personal information is managed, please read the Ajusto program Important: This PDF is intended for printing. It has not been optimized for screen readers.terms and conditions (PDF)

  • The Desjardins Insurance Home-Auto application is compatible with iPhone or Android smartphones that are less than three years old. If you are unable to view the application, your phone is most likely incompatible. Please call a P&C insurance agent at 1-877-699-9923.
  • The discount does not apply to certain endorsements and additional coverages. Please note that the savings will automatically be applied to the premium at renewal.
  • Certain conditions and restrictions may apply.
  • Ajusto is underwritten by Desjardins Insurance, which refers to Certas Direct Insurance Company.
  • ® Ajusto is a registered trademark of Desjardins General Insurance Inc., used with permission by Certas Direct Insurance Company.
  • Apple, the Apple logo, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
  • Google Play and Android are trademarks of Google Inc.

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